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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,030 | $106,557-61.5% | $91,227-55.0% | $134,545-69.5% |
| Participation rate | 66.7% | 76.8%-10.1pp | 73.2%-6.5pp | 81.2%-14.6pp |
| Annual return | -11.93% | 160.81%-172.7pp | 114.14%-126.1pp | 418.37%-430.3pp |
| Employer contribution / active EE | $3,700 | $3,332+11.0% | $2,851+29.8% | $4,742-22.0% |
| Participant deferral / active EE | $1,118 | $4,719-76.3% | $4,234-73.6% | $6,401-82.5% |
| Admin fee / account holder | $647 | $6,235-89.6% | $5,423-88.1% | $11,431-94.3% |